Best AEPS Portals in India for Retailers and Startups

In today’s digital economy, having a reliable AEPS portal is essential for retailers and startups looking to offer fast, secure, and seamless payment services. AEPS (Aadhaar Enabled Payment System) allows businesses to perform transactions directly through banks, making payments simple and convenient for customers.

The best AEPS portal for retailers and startups depends on their specific needs, but top options include Aeps India for its wide agent network and additional services, Aeps India for strong rural reach, and that offer user-friendly platforms, high commissions, and Aeps API access for startups to create their own service. When choosing, retailers and startups should compare commission structures, technical support, security features, ease of use, and the range of financial services offered. 

Choosing the right AEPS portal helps businesses manage multiple transactions, track settlements in real-time, and provide trusted digital payment solutions that enhance customer satisfaction. For retailers and startups, the right portal can boost revenue, save time, and streamline operations, giving a competitive edge in the growing digital payment market.

In this guide, we explore the best AEPS portals in India, their key features, and tips for integration, helping your business leverage digital payment solutions effectively in 2025.

What is AEPS Portal

An AEPS Portal is a platform that facilitates transactions under the Aadhaar Enabled Payment System (AEPS), which allows users to perform basic banking transactions using their Aadhaar number and biometric authentication. These portals are used by businesses and financial institutions to provide services like cash withdrawal, deposits, balance inquiries, and fund transfers through a network of micro-ATMs and banking correspondents.  

AEPS Portal Work

An AEPS (Aadhaar Enabled Payment System) portal works by allowing customers to perform basic banking transactions through a micro ATM using Aadhaar authentication. A customer provides their Aadhaar number and bank name, selects a transaction type, and then uses a biometric scan (fingerprint or iris) to verify their identity. The system securely processes the transaction through the National Payments Corporation of India (NPCI) and the customer’s bank.  

How the system works

• Initiation: A customer visits a participating agent or micro-ATM and provides their Aadhaar number and bank name. 
• Transaction Selection: The customer chooses the type of service, such as cash withdrawal, balance inquiry, or fund transfer, and enters the amount. 
• Biometric Authentication: The customer places their finger on the biometric scanner or provides an iris scan to authenticate their identity, which is verified against the UIDAI database. 
• Transaction Processing: The AEPS portal sends the request to the customer’s bank for verification and processing. 
• Completion: Upon successful authentication and verification, the transaction is completed. The customer receives a confirmation message and a receipt. 

Read Blog : AEPS Registration in India: Complete Step-by-Step Guide 2025

Functions of an AEPS Portal

An AEPS portal functions include basic banking transactions like cash withdrawal, deposit, and balance inquiry, which are all secured by Aadhaar and biometric authentication. It also enables fund transfers, provides mini statements, and facilitates payments through Aadhaar Pay for merchants, promoting financial inclusion and security. 

Core functions

• Cash Withdrawal: Customers can withdraw cash from their Aadhaar-linked bank accounts at a retail outlet. 
• Cash Deposit: Cash can be deposited into a customer’s bank account via the portal. 
• Balance Inquiry: Users can check their bank account balance by linking their Aadhaar. 
• Mini Statement: A summary of the last few transactions can be viewed. 
• Fund Transfer: Allows for money transfers between Aadhaar-linked accounts. 

Payment and security functions

• Aadhaar Pay: A service that enables customers to make payments to merchants using their Aadhaar number and biometric authentication, creating a cashless transaction method. 
• Biometric Authentication: Transactions are secured through Aadhaar and biometric verification (like fingerprints) to prevent fraud. 
• eKYC: Provides electronic Know Your Customer services. 

Administrative and other functions

• Multi-Bank Support: Integrates with various banks, allowing transactions from multiple banks through a single platform. 
• Aadhaar Seeding Status: Allows users to check the status of their Aadhaar being linked to their bank account. 
• Interoperability: The system allows for transactions between different banks. 

Top AEPS Portals in India for Retailers and Startups

AEPS (Aadhaar Enabled Payment System) portals offer significant opportunities for retailers and startups by providing basic banking services like cash withdrawal and balance inquiries through biometric authentication. For both, the process involves registering with a Aeps india, completing KYC, and acquiring hardware like a biometric device. Startups have additional needs like AEPS Software development, integrating AEPS API, and ensuring regulatory compliance. 

For retailers

• Income and customer base: Partnering with an AEPS provider like Aeps india can create new revenue streams and increase customer traffic, especially in rural areas. 
• Service provision: You act as an agent to provide services such as cash withdrawal and balance checks to customers using their Aadhaar number and fingerprint. 
• Requirements:
  • Register with an AEPS service provider like Aeps india and complete KYC verification. 
  • Obtain necessary hardware, including a government-certified biometric device. 

For startups

• Market access: AEPS allows startups to quickly enter the financial inclusion space and reach unbanked and underbanked populations. 
• White-label solutions: Startups can use a white label AEPS portal to rebrand a pre-built Aeps platform with their own name and logo, which speeds up their entry into the market. 
• Integration: You can integrate AEPS API into your existing platform to offer secure banking services. 
• Requirements:
  • Register with a Aeps india and complete KYC. 
  • Acquire hardware like a government-certified biometric device. 
  • Build a scalable platform and integrated AEPS API. 
  • Ensure compliance with regulations from the NPCI and RBI. 

Key players and platforms

• Regulator: The National Payments Corporation of India (NPCI) operates and regulates the AEPS in India. 
• Service Providers: Aeps india provide AEPS services.
• White-label solutions: Aeps India offer white label Aeps portals that startups can rebrand. 

Benefits of AEPS Portal

The benefits of an AEPS (Aadhaar Enabled Payment System) portal include financial inclusion by providing access to banking services in remote areas, convenience through easy transactions using only an Aadhaar number and fingerprint, and enhanced security via biometric authentication. The system also promotes a cashless economy, offers privacy by not requiring card details, and provides businesses with opportunities to earn commissions and increase foot traffic. 

Benefits for users

• Financial Inclusion: Empowers people in rural and underserved areas by bringing basic banking services to their doorstep, such as cash withdrawals, deposits, and balance inquiries. 
• Convenience: Eliminates the need for cards, PINs, or smartphones, as transactions are done with just an Aadhaar number and biometric authentication. 
• Security: Uses biometric authentication (fingerprint, iris scan) for secure and reliable transactions, which reduces fraud and protects against loss or theft of cards or PINs. 
• Accessibility: Allows users to access banking services at local shops or business correspondents equipped with micro-ATMs, instead of having to visit a bank branch. 
• Privacy: Transactions can be completed without revealing sensitive bank account details, enhancing user privacy. 

Benefits for businesses

• Increased Revenue: Provides a new income stream through commissions earned on every transaction processed.
• More Foot Traffic: Attracts customers to the business by offering essential financial services, which can lead to more sales of other products.
• Expanded Services: Allows businesses to offer a wider range of services by integrating AEPS with other offerings like mobile recharges and bill payments.
• Business Growth: Helps expand customer reach and provides an opportunity for overall business growth. 

Features AEPS Portal

An AEPS portal features secure biometric authentication, allowing users to conduct basic banking transactions like cash withdrawal, deposit, balance inquiry, and fund transfer using their Aadhaar number and fingerprint. Key features include interoperability across different banks, accessibility for financial inclusion in remote areas, and support for services like Aadhaar Pay to potentially increase withdrawal limits. 

Core features

• Biometric authentication: Transactions are secured using fingerprint or iris scans linked to a user’s Aadhaar-linked bank account, eliminating the need for debit cards or PINs. 
• Cash withdrawal and deposit: Users can withdraw cash from or deposit cash into their bank account through a banking correspondent or micro-ATM. 
• Balance inquiry and mini statement: Customers can check their account balance and view a mini statement of their recent transactions. 
• Fund transfer: AEPS allows users to transfer funds between different Aadhaar-linked bank accounts. 
• Aadhaar Pay: This feature allows for higher withdrawal limits (up to ₹50,000, compared to the standard ₹10,000). 

Benefits and broader features

• Interoperability: The system allows transactions across multiple banks, providing convenience and flexibility. 
• Financial inclusion: AEPS provides essential banking services to remote and unbanked areas by leveraging the unique Aadhaar infrastructure. 
• Ease of use: The system is designed to be simple, requiring only the Aadhaar number and biometric information to complete a transaction. 
• Security: The use of Aadhaar-based biometric authentication and end-to-end encryption protects sensitive financial data. 
• Government payments: It is used for disbursing government schemes like pensions and social security benefits directly to recipients. 

Read Blog : How to Activation Aeps Service in India: Step-by-Step Guide

How to Integrate AEPS Portal

To integrate AEPS portal, first register with an Aeps india and complete the Know Your Customer (KYC) process by submitting your documents. Next, obtain and register a compliant biometric device, then integrate AEPS API into your own system or use their provided Aeps software. Finally, after your Aeps platform is activated, you can begin offering AEPS services like cash withdrawals and balance inquiries, ensuring you follow security and transaction guidelines.  

Step 1: Register with a service provider

• Choose a Aeps india that suits your needs.
• Fill out the online registration form with your business and personal details. 

Step 2: Complete KYC and acquire a biometric device

• Complete the KYC verification by submitting required documents like your Aadhaar and PAN card. 
• Acquire a compliant biometric device (fingerprint scanner) for customer authentication. 
• Register the hardware with the Aeps india. 

Step 3: Integrate the AEPS API

• Developers will use the AEPS API solution key, documentation, and SDKs provided by Aeps india to integrate AEPS functionalities into your application, web portal, or Point-of-Sale system. 
• For non-developers, you can often use the provided Aeps software platform directly. 

Step 4: Go live and offer services

• Once your account and devices are set up and the integration is complete, you can start offering AEPS services. 
• Provide services like cash withdrawals, balance inquiries, and fund transfers to customers using their Aadhaar number and biometric authentication. 
• Ensure that all transactions are secure and that printed receipts are provided to customers. 

Choosing the Right AEPS Portal Provider

Aeps india is the right AEPS portal provider, prioritize security and compliance by verifying NPCI and RBI certification. Next, evaluate reliability and performance by checking for high transaction success rates (ideally 98%+) and low downtime. Also, consider the user-friendly interface, responsive customer support, transparent Aeps costs and commissions, and the availability of essential services like multi-bank support and additional features like bill payments. 

Key factors to consider

Security and Compliance:

• Ensure the Aeps india is certified by the National Payments Corporation of India (NPCI) and adheres to Reserve Bank of India (RBI) guidelines. 
• Look for robust security measures like end-to-end encryption and secure login procedures. 

Reliability and Performance:

• Aeps india with high transaction success rates (e.g., 98%+) and minimal processing time. 
• Check for high uptime to ensure consistent service. 
• Look for real-time or fast settlement times for agent payouts. 

User Experience:

• Choose a Aeps portal with an intuitive and easy-to-navigate interface for both you and your customers. 
• Confirm that it supports a wide network of banks (multi-bank compatibility). 

Support and Services:

• Test the Aeps india customer support for responsiveness and reliability, preferably with 24/7 support options. 
• Check if the portal offers additional services you might need, such as bill payments, recharges, or Micro ATM services. 

Cost and Reputation:

• Compare fee structures and commissions to find a competitive and transparent pricing model. 
• Research the Aeps india reputation by reading customer reviews and testimonials to understand their service quality and customer satisfaction. 

Read Blog : Best AEPS Integration Providers in India 2025

Why AEPS India is a trusted AEPS Portal Provider

Aeps india is a trusted AEPS portal provider is considered trustworthy due to robust security measures, compliance with regulations, and reliable performance. This includes using biometric authentication for secure transactions, adhering to NPCI and RBI guidelines, maintaining high transaction success rates, and providing features like 24/7 customer support and a user-friendly interface. Aeps india also enables financial inclusion by making banking accessible in remote areas. 

Security and compliance

• Biometric authentication: AEPS relies on Aadhaar-linked biometric verification (fingerprint or iris scans) to ensure secure and fraud-free transactions. 
• Regulatory adherence: Aeps india complies with guidelines from the National Payments Corporation of India (NPCI) and the Reserve Bank of India (RBI). 
• Data protection: Trusted systems employ encryption and other measures to protect user data from unauthorized access. 

Reliability and performance

• High transaction success rates: Aeps india ensures a high percentage of transactions are processed successfully and quickly.
• Scalability: The Aeps admin portal should be able to handle a high volume of transactions to support business growth. 

User and business support

• User-friendly interface: A simple and intuitive interface makes it easy for both customers and agents to use the portal.
• 24/7 customer support: Aeps india offer round-the-clock technical and customer support for troubleshooting and assistance.
• Seamless integration: Aeps API and clear documentation are provided to integrate AEPS service into existing systems and applications.
• Real-time reporting: The Aeps portal provides real-time reports and clear commission structures, which is essential for business owners. 

Financial inclusion

• Accessibility: AEPS portals bring AEPS Banking Software services like cash withdrawal, balance inquiries, and mini-statements to rural and underserved areas. 
• Widespread network: Aeps india helps in building a wide network of AEPS Software for Agents and micro-ATMs for convenient access, even in remote locations. 

Hire Best Price Aeps Portal Developers

To hire affordable AEPS (Aadhaar Enabled Payment System) developers, you should consider outsourcing to specialized Aeps india, hiring developer from platform like Aeps india, and exploring pre-built white label Aeps solutions. The final cost will depend on whether you need a basic Aeps API integration, a white-label portal, or a completely custom software solution. 

AEPS development models and cost breakdown

1. Pre-built white-label solutions 

This is often the most affordable and fastest option. You get a ready made AEPS portal or application that can be customized with your branding. 

• Typical cost: White-label solutions can start from as low as ₹20,000 to ₹35,000, with annual fees ranging from ₹40,000 to ₹80,000 or more, depending on the features.
• Best for: Startups and businesses that want to launch AEPS services quickly with minimal upfront investment.
• How to hire: Contact AEPS software development company like Aeps india directly or browse business-to-business marketplaces. 

2. Best Experience developers

For smaller, customized projects, you can hire experience developers. This offers greater flexibility but requires more direct oversight from your team. 

• Typical cost: Experience developers rates can range from ₹10000 to ₹50000 in India, but the final project cost varies based on features and complexity.
• Best for: Businesses with a clearly defined, short-term project that needs custom Aeps API integration or a front-end interface built on an existing AEPS API.
• How to hire: Use Aeps india platforms. You can also look for developers on professional networks or tech communities. 

3. Full-stack AEPS development (API + Portal)

Hiring a developer or agency like Aeps india to build a custom AEPS solution from scratch is the most expensive but offers complete control and customization. 

• Typical cost: A full custom solution can range from ₹50,000 to ₹1.2 Lakhs or higher for setup, along with ongoing transaction fees charged by the Aeps india.
• Best for: Enterprises or large fintech companies that require specific functionality, need to integrate with proprietary systems, or want to create a full-fledged Aeps B2B distribution network.
• How to hire: Search for Aeps india and consult with them about your project requirements and budget. 

Tips for hiring affordable AEPS developers

Before you hire

• Define your needs clearly: Create a detailed document outlining the features you need, such as cash withdrawals, balance inquiries, mini-statements, and reports. A clear scope will prevent unnecessary features that increase cost.
• Compare API providers: The AEPS functionality will come from a Aeps india. Affordable Aeps setup fees, transaction charges, and reliability before hiring a developer to integrate with them.
• Consider your hiring model: Choose between a developer for basic Aeps integration or a Aeps india for more complex work.

During the hiring process

• Request portfolios: Ask for a portfolio of previous fintech or AEPS projects. This will demonstrate their relevant experience and quality of work.
• Test technical skills: Provide a small, paid coding task or a technical skills test to verify their proficiency with fast Aeps API and security protocols.
• Evaluate communication: Look for a developer with strong communication skills and a good work ethic. This is crucial for managing remote work and ensuring your project stays on track.
• Negotiate terms: Discuss the payment structure (fixed rate vs. hourly) and set clear milestones to ensure you are only paying for completed work. 

After you hire

• Start with a small project: For a new hire, begin with a low-risk, well-defined test project. This allows you to evaluate their capabilities without a large financial commitment.
• Utilize an agile approach: Break down the project into smaller, manageable parts. This allows you to review progress incrementally and make changes as needed, reducing overall costs. 

Future of Best AEPS Portal

The best AEPS portal depends on individual needs, but top contenders for 2025 include providers like Aeps India, known for strong features, user-friendly interfaces, and high commissions. The future of AEPS is expected to focus on technological advancements like AI and blockchain, mobile-first solutions, integration with other platforms like UPI, and expanded services beyond basic banking. 

Key features to look for in a future AEPS portal

• Advanced admin dashboards: Powerful, easy-to-use advanced Aeps admin dashboards for managing agents and transactions. 
• Multi-bank support: Integration with various banks to offer seamless transactions. 
• Real-time settlements: Immediate processing of transactions and settlements. 
• High commissions: Competitive commission structures, like those offered by Aeps india. 
• Robust security: Strong authentication methods to protect user data. 
• Scalability: The ability to grow and scale with your business needs. 
• Customization: White-labeling options and customization capabilities to rebrand the portal for your own use. 
• Excellent customer support: Dedicated support for any issues that may arise. 

Future trends in AEPS

• Technological integration: AI and blockchain will be used to enhance security and efficiency.
• Mobile-first approach: Increased focus on user-friendly mobile apps for both customers and agents.
• Ecosystem integration: AEPS integrate with other payment systems like UPI and digital wallets.
• Expanded service offerings: Beyond core banking, services may include micro-loan payments and insurance premium collections. 

Conclusion

Choosing the right AEPS portal can make a significant difference in how efficiently your business handles digital payments. For retailers and startups, using a trusted AEPS portal ensures secure, fast, and reliable transactions, helping you build customer trust and streamline operations.

The best AEPS portal in India for retailers and startups refers to a secure and reliable platform that allows them to integrate the Aadhaar Enabled Payment System (AEPS). This enables them to offer basic banking services like cash withdrawals and balance inquiries to customers using only Aadhaar and fingerprint authentication. The best Aeps portal provides a user-friendly interface, competitive commissions, reliable technical support, and a range of financial services beyond basic AEPS transactions. 

The top AEPS portals in India offer features like multi-bank support, real-time settlements, easy integration, and mobile-friendly interfaces, enabling businesses to grow and maximize revenue. By selecting a AEPS India, you can simplify payment processes, monitor transactions effectively, and enhance overall business performance.

Investing in the right AEPS portal is a smart step for retailers and startups to stay competitive, reduce errors, and boost earnings in the digital payments ecosystem.

FAQ – Best AEPS Portals in India for Retailers and Startups